Mutuum Finance（MUTM）已成为一个热门话题 - 这就是为什么您应该关心的原因

Solana（Sol）再次成为一个热门话题，不是因为它的收益，而是其类似过山车的价格波动。

The crypto market has seen some interesting shifts in recent times, especially with the narrative switching from ‘bullish gains’ to ‘sustainable value encodings.’ As Solana (SOL) continues to be a hot topic — not for its price movements but more for the extreme volatility that comes with it, leading some investors to consider more stable, utility-based alternatives — Mutuum Finance (MUTM) is rapidly gaining attention.

加密市场最近发生了一些有趣的转变，尤其是随着叙事从“看涨收益”转变为“可持续价值编码”。由于Solana（Sol）仍然是一个热门话题 - 不是因为它的价格变动，而是因为它随之而来的极端波动，导致一些投资者考虑更稳定的基于公用事业的替代方案 - Mutuum Finance（MUTM）正在迅速引起关注。

This DeFi token is still in presale but is fast becoming a more balanced crypto to buy for 2025.

这种Defi令牌仍处于预售状态，但迅速成为2025年购买的更加平衡的加密货币。

Solana (SOL)

Solana（Sol）

SOL has been noted for its resilience in navigating through liquidations, congestions, and ecosystem speculations, remaining a high-performance Layer 1 solution with a strong developer base.

SOL因其在清算，拥塞和生态系统投机中导航方面的韧性而闻名，并保持了具有强大开发者基础的高性能层1解决方案。

However, despite its technical capabilities, the token’s recent price action has shown extreme volatility, making it harder for investors to build predictable strategies or capitalize on specific trends.

然而，尽管具有技术能力，令牌最近的价格行动表明了极端波动，这使得投资者难以建立可预测的策略或利用特定趋势。

But what crypto to buy now that offers both upside and structure?

但是，现在可以购买哪种加密货币，可以提供上升空间和结构？

For traders seeking an asset that combines growth potential with a defined use case and token model, Mutuum Finance is quickly emerging as a key contender in the DeFi space.

对于寻求将增长潜力与确定用例和代币模型相结合的资产的交易者而言，Mutuum Finance迅速成为Defi空间中的关键竞争者。

Mutuum Finance (MUTM)

死亡金融（MUTM）

Mutuum Finance is introducing a non-custodial lending and borrowing platform designed to give users complete control over their assets while allowing them to earn yield or access liquidity in a safe and efficient manner.

Mutuum Finance引入了非监护贷款和借贷平台，旨在使用户完全控制其资产，同时允许他们以安全有效的方式赚取收益率或获得流动性。

But what truly sets the protocol apart is its dual model: Peer-to-Contract (P2C) and Peer-to-Peer (P2P) lending — each catering to different asset classes and investor profiles.

但是真正设定协议的是其双重模型：点与合同（P2C）和点对点（P2P）贷款 - 每种都适合不同的资产类别和投资者资料。

In the P2C model, users deposit supported crypto assets, which are aggregated into shared liquidity pools. Borrowers can then access the available funds by securing their loans with collateral that exceeds the value of the amount borrowed.

在P2C模型中，用户存入支持的加密资产，这些资产汇总到共享的流动性池中。然后，借款人可以通过超过借入金额的抵押品来确保其贷款获得可用资金。

Interest rates adjust dynamically depending on how much of the pool is being used. When utilization is high, borrowing becomes more expensive, which in turn incentivizes capital deposits. But when it’s low, the rates become favorable for borrowers, encouraging demand.

利率根据使用多少池的方式动态调整。当利用率很高时，借贷将变得更加昂贵，从而激励资本存款。但是，当它很低时，利率对借款人有利，鼓励需求。

This automated and transparent system ensures that participants receive predictable returns, and the health of the liquidity pool is protected through liquidation mechanisms and optimal loan-to-value (TLV) thresholds.

这种自动化和透明的系统可确保参与者获得可预测的回报，并通过清算机制和最佳贷款对价值（TLV）阈值来保护流动性池的健康。

For those interested in earning passive income in the crypto space, this model offers both efficiency and reliability, which may be more appealing than the price swings of Solana.

对于那些有兴趣在加密货币领域赚取被动收入的人，该模型既提供效率又可靠性，这可能比Solana的价格波动更具吸引力。

The P2P model takes a more flexible approach, allowing users to lend or borrow by directly negotiating the terms and types of tokens involved. This opens the door to lending on speculative or ‘meme’ tokens like SHIB or other trending tokens that wouldn’t typically qualify for large, risk-averse lending pools.

P2P模型采用了更灵活的方法，使用户可以通过直接协商所涉及的标记的条款和类型来借出或借用。这为投机性或“模因”令牌（如Shib或其他趋势令牌）打开了贷款，通常不符合规避风险的大型贷款池的资格。

For instance, a lender could agree to offer SHIB as collateral for a custom USDC loan at an interest rate of 10% per annum, with the terms, tokens, and rate all being defined by the lender and borrower. In this scenario, Mutuum would only be involved in executing the smart contract and collateral logic.

例如，贷方可以同意以每年10％的利率提供SHIB作为定制USDC贷款的抵押品，其条款，代币和贷款人和借款人的定义所有费用。在这种情况下，Mutuum只会参与执行智能合同和附带逻辑。

This keeps riskier assets isolated from the core protocol while still giving them a use case within the broader ecosystem, creating diverse earning opportunities to suit different risk tolerances and investment strategies.

这样可以使风险较高的资产与核心协议隔离，同时仍然在更广泛的生态系统中为它们提供了用例，从而创造了各种赚钱的机会，以适应不同的风险公差和投资策略。

One of the strongest value drivers behind MUTM is how platform usage directly affects token demand. A portion of the interest and fees generated from lending activity is used to buy MUTM tokens on the open market, which are then distributed to mtToken holders—those who deposit assets into the protocol.

MUTM背后最强大的驱动因素之一是平台使用如何直接影响令牌需求。贷款活动产生的一部分利息和费用用于在公开市场上购买MUTM令牌，然后将其分配给Mttoken持有人，这些人将资产存入协议中。

This creates a feedback loop where higher activity equals more buying pressure and more rewards, reinforcing long-term holding and staking behavior.

这会创建一个反馈循环，其中较高的活动等于更多的购买压力和更多的奖励，从而增强了长期的持有和桩行为。

With the presale currently priced at $0.025, analysts are forecasting that MUTM could climb to $2.50 in the months following its launch, driven by rapidly growing user activity and expanding lending utility.

由于目前的预售价格为0.025美元，分析师预测，在推出后的几个月中，MUTM在迅速增长的用户活动和扩大贷款实用程序的推动下，其发布后的几个月可能会攀升至2.50美元。

This would represent a 9,900% increase from its current price—positioning it as one of the next big cryptocurrencies to watch heading into 2025.

这将比目前的价格增加9,900％，将其视为下一个观看2025年的大型加密货币之一。

The fourth presale phase is nearly 70% complete, with more than $7.9 million raised and over 9,700 participants joining the community. The token price is set to increase to $0.03 in the upcoming presale phase and will officially launch at $0.06, with all smart contracts currently undergoing review by CertiK.

第四阶段阶段已接近70％，筹集了超过790万美元，有9,700多名参与者加入了社区。代币价格将在即将到来的预售阶段上涨至0.03美元，并将正式上涨0.06美元，所有智能合约目前都在Certik进行审查。

Mutuum has confirmed that, unlike many presale projects that postpone product delivery or shirk product responsibility, a beta version of its platform will be available at launch—enabling users to immediately access P2C and P2P functions, start earning interest, borrow funds, and receive mtTokens from the very first day.

Mutuum已确认，与许多推迟产品交付或推翻产品责任的预售项目不同，其平台的Beta版本将在启动时可用，可以使用户立即访问P2C和P2P功能，开始赚取利息，借入资金，并从第一天开始获得MTTOKENS。

Solana (SOL) is a core infrastructure player, but its price instability makes it harder to treat as a reliable growth asset in the short term. Mutuum Finance, on the other hand, offers clear utility, risk

Solana（Sol）是核心基础设施参与者，但其价格不稳定使得在短期内将其视为可靠的增长资产变得更加困难。另一方面，Mutuum Finance提供了清晰的实用程序，风险